Auto Insurance Guide Archive for March, 2010

Recreational vehicles are of different types. They could include snow mobiles, bikes, water scooters, and the like. But the acronym RV stands for recreational vehicles which generally include trailers, caravans and homes on wheels. But mostly they are simply trailers attached to a conventional car. We shall discuss auto insurance policies for the trailers and the car taken together as an entity.

It is more expensive to insure an RV than it is going to be for a normal car. This is because RV’s are inherently unstable due to their large size and length. If it is a trailer, it is going to be attached behind the car. And in this situation, it will not have a steering mechanism. It will sway around at corners and there is the possibility that the trailer might hit some other vehicle or stationary object. There is also the possibility that the trailer may … Click here to read more

In recent times, classic car auto insurance rates have been going up gradually. This is partially due to the renewed interest in classic cars in our country and also largely due to the export market for American made classic automobiles. And with an increase in classic car buying, the rates of classic car auto insurance have been going up gradually.

Classic car auto insurance rates largely depend on the type of automobile you own. Older classic cars are generally more expensive to insure. This is largely based on the dependability that the car exhibits.

You need to join a classic car club in your local community to know the latest from the classic car industry. This way you can meet with local representatives from the insurance companies which specialize in classic car automobiles. You can also meet up with people who are in the business. Like mechanics and classic car … Click here to read more

The following are five simple and easy steps to get cheap auto insurance in any state of the United States of America.

The first step is to look for the policy online. You need to do a lot of background research before you can decide which policy to go with. You cannot just go and buy a policy from an insurance company. You will end up spending a lot of your hard earned money for no additional benefit. If you are looking for true value of money, you need to do your homework. There are a lot of insurance companies that offer free auto insurance quotes. All you have to do is enter your personal information like name, contact number, and address. In some cases you might need to add other information like social security number, driving license number and also vehicle identification number.

Most people can’t afford to make one huge lump sum payment towards their auto insurance premium and find it really difficult to save up and even take small loans from friends and colleagues to make payments in one go. Auto insurance companies saw this as an opportunity to provide their customers with a monthly payment plan, at a price needless to say. The customer doesn’t make a one time payment and instead makes one down payment and either, 3, 6 or 12 monthly payments as the case may be. The insurance company charges the customers a rate of interest as the case may be, not all companies charge an interest.

How it works

The customer can either opt for a yearly cover wherein he or she would need to make payments for the next twelve months, or else a customer can also take it on a “pay as you go” … Click here to read more

The first step to getting your teen insurance is to involve them in the procedure and teach them how to start from scratch. Let them understand that their insurance is expensive regardless of a new policy or you clubbing it onto your auto insurance policy; this will help them get a sense of responsibility and driver safer. Get your teen to help you to find a comparison site online and get multiple quotes.

Calculation of the premium:

Insurance companies use information you provide to them to analyze the risk involved in insuring the teen and calculate the premium based on that risk. You will need information like the teen’s name, age, gender, license details (learners or permanent), and the driving record. If your teen drives a minimum amount you can expect a reduction in your premium since the less time your teen spends on the road, the less … Click here to read more

It is unfair that all teens are judged on the basis of a few irresponsible teens; however the sad truth is that teens have statistically proven themselves to be a high risk factor for insurance companies. Although there is nothing you can do to change your premiums, or is there? Sure there is, and here is how you can keep your premium low:

Scout the market

There are dozens of insurance companies out there and each one can give you a better deal than the next. The trick is to keep looking; get as many quotes as your patience levels permit, they free so there is no worry there. Get online and request anything from five to ten quotes to compare. You can also look for companies who specifically insure teens and other high risk drivers as they are sympathetic to your dilemma and can offer you a lower premium … Click here to read more

There are various reasons to purchase insurance apart from the obvious reason to keep your vehicle road legal. A good insurance policy can protect you from massive losses in the event of an accident and also protect you from the trials and tribulations of legal hassles; insurance companies also assist you in lawsuits that arise from a car crash.

Custom made insurance policies

The trust is no two individuals are alike, and no two individuals have the same needs as another person. Everyone needs basic insurance, but what about the cover, the extent of cover, deductibles and discounts? Insurance companies serve you bulk plans based on your rough usage pattern and your vehicle type; however this is rarely enough. Most people realize that they don’t have the right insurance plan when it’s too late, after an accident. No professional can custom build the right plan for you, you either need … Click here to read more

In their quest for cheap auto insurance most people tend to turn to the internet to provide them with cheap auto insurance deals. The internet can allow you to receive five to ten auto insurance quotes in about ten minutes, which simplifies the whole process of shopping for auto insurance and also saves the person a great deal of time and money.

The need for privacy

While shopping online users used to be required to provide the system with their name, age, sex, location, information on the car you drive, driving record, driver’s license number and social security number in order to generate the auto insurance quotes. Most users aren’t comfortable with sharing private information like their driver’s license number and Social Security Number and were thus uncomfortable with online quotes.

Irregardless of what you are looking for there are always the few companies who are the best in the business. These corporate giants define and quite literally runt he market; but how do you pick one from another?

The same dilemma holds true for auto insurance too where customers are confused as to which company they should go for. Here is a short comparison of the best in the business to help you decide.

Esurance is one of the biggest players in the market and a very popular choice among private motorists. Esurance believes in e-business and operates online, the signup process is super easy and requires no technical skills what so ever. If you can check your email you can sign up at their site, it’s that simple. Sign up, make the payment and presto you can download your policy and print it. A benefit of online operations translates … Click here to read more

Auto insurance quotes are free and are the best way of ensuring you get a great deal on your auto insurance premium. Don’t waste time going down to the insurance companies’ office, or calling the customer service; these methods are too time consuming.

Many people prefer to turn to insurance brokers which can be a good option, but what you need to understand is that insurance brokers work on a commission; and you’re going to be paying that commission out of your pocket as middle-man fees. Your safest bet is the internet, its cheap and free and you can request for quotes sitting right at home. Best of all its lightening fast, in the same amount of time you would have spent calling or going to meet an insurance agent or broker you can request more than 20 quotes online. Make sure to … Click here to read more

If you have problems paying up the entire sum on your auto insurance premiums at one shot, then the best policy would be the month-to-month auto insurance policy. It is easy to sign up for this policy as there is a low down payment or no down payment depending on the policy. Following this you would be required to pay monthly installments on the annual premium. You can either pay in three, six, or twelve installments.

The benefits

Since the customer has the flexibility of monthly payments the strain on his or her finances is reduced and the customer is free and able to take better cover which they might not have been able to afford if they had to pay the premium as a lump sum. Also annual budgeting becomes easier for the customer since they don’t need to collect or take a loan for the lump sum payment. … Click here to read more